TITLE by YOUR_NAME_HERE
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Tip: Before you create any plots, it is a good idea to provide a short introduction into the dataset that you are planning to explore. Replace this quoted text with that general information!
Univariate Plots Section
Tip: In this section, you should perform some preliminary exploration of your dataset. Run some summaries of the data and create univariate plots to understand the structure of the individual variables in your dataset. Don’t forget to add a comment after each plot or closely-related group of plots! There should be multiple code chunks and text sections; the first one below is just to help you get started.
## 'data.frame': 113937 obs. of 84 variables:
## $ ListingKey : Factor w/ 113066 levels "00003546482094282EF90E5",..: 7180 7193 6647 6669 6686 6689 6699 6706 6687 6687 ...
## $ ListingNumber : int 193129 1209647 81716 658116 909464 1074836 750899 768193 1023355 1023355 ...
## $ ListingCreationDate : POSIXct, format: "2007-08-26 19:09:29" "2014-02-27 08:28:07" ...
## $ CreditGrade : Ord.factor w/ 8 levels "NC"<"HR"<"E"<..: 5 NA 2 NA NA NA NA NA NA NA ...
## $ Term : int 36 36 36 36 36 60 36 36 36 36 ...
## $ LoanStatus : Factor w/ 12 levels "Cancelled","Chargedoff",..: 3 4 3 4 4 4 4 4 4 4 ...
## $ ClosedDate : POSIXct, format: "2009-08-14" NA ...
## $ BorrowerAPR : num 0.165 0.12 0.283 0.125 0.246 ...
## $ BorrowerRate : num 0.158 0.092 0.275 0.0974 0.2085 ...
## $ LenderYield : num 0.138 0.082 0.24 0.0874 0.1985 ...
## $ EstimatedEffectiveYield : num NA 0.0796 NA 0.0849 0.1832 ...
## $ EstimatedLoss : num NA 0.0249 NA 0.0249 0.0925 ...
## $ EstimatedReturn : num NA 0.0547 NA 0.06 0.0907 ...
## $ ProsperRating..numeric. : int NA 6 NA 6 3 5 2 4 7 7 ...
## $ ProsperRating..Alpha. : Ord.factor w/ 7 levels "HR"<"E"<"D"<"C"<..: NA 6 NA 6 3 5 2 4 7 7 ...
## $ ProsperScore : num NA 7 NA 9 4 10 2 4 9 11 ...
## $ ListingCategory..numeric. : int 0 2 0 16 2 1 1 2 7 7 ...
## $ BorrowerState : Factor w/ 52 levels "","AK","AL","AR",..: 7 7 12 12 25 34 18 6 16 16 ...
## $ Occupation : Factor w/ 68 levels "","Accountant/CPA",..: 37 43 37 52 21 43 50 29 24 24 ...
## $ EmploymentStatus : Factor w/ 9 levels "","Employed",..: 9 2 4 2 2 2 2 2 2 2 ...
## $ EmploymentStatusDuration : int 2 44 NA 113 44 82 172 103 269 269 ...
## $ IsBorrowerHomeowner : logi TRUE FALSE FALSE TRUE TRUE TRUE ...
## $ CurrentlyInGroup : logi TRUE FALSE TRUE FALSE FALSE FALSE ...
## $ GroupKey : Factor w/ 707 levels "","00343376901312423168731",..: 1 1 335 1 1 1 1 1 1 1 ...
## $ DateCreditPulled : POSIXct, format: "2007-08-26 18:41:46" "2014-02-27 08:28:14" ...
## $ CreditScoreRangeLower : int 640 680 480 800 680 740 680 700 820 820 ...
## $ CreditScoreRangeUpper : int 659 699 499 819 699 759 699 719 839 839 ...
## $ FirstRecordedCreditLine : POSIXct, format: "2001-10-11" "1996-03-18" ...
## $ CurrentCreditLines : int 5 14 NA 5 19 21 10 6 17 17 ...
## $ OpenCreditLines : int 4 14 NA 5 19 17 7 6 16 16 ...
## $ TotalCreditLinespast7years : int 12 29 3 29 49 49 20 10 32 32 ...
## $ OpenRevolvingAccounts : int 1 13 0 7 6 13 6 5 12 12 ...
## $ OpenRevolvingMonthlyPayment : num 24 389 0 115 220 1410 214 101 219 219 ...
## $ InquiriesLast6Months : int 3 3 0 0 1 0 0 3 1 1 ...
## $ TotalInquiries : num 3 5 1 1 9 2 0 16 6 6 ...
## $ CurrentDelinquencies : int 2 0 1 4 0 0 0 0 0 0 ...
## $ AmountDelinquent : num 472 0 NA 10056 0 ...
## $ DelinquenciesLast7Years : int 4 0 0 14 0 0 0 0 0 0 ...
## $ PublicRecordsLast10Years : int 0 1 0 0 0 0 0 1 0 0 ...
## $ PublicRecordsLast12Months : int 0 0 NA 0 0 0 0 0 0 0 ...
## $ RevolvingCreditBalance : num 0 3989 NA 1444 6193 ...
## $ BankcardUtilization : num 0 0.21 NA 0.04 0.81 0.39 0.72 0.13 0.11 0.11 ...
## $ AvailableBankcardCredit : num 1500 10266 NA 30754 695 ...
## $ TotalTrades : num 11 29 NA 26 39 47 16 10 29 29 ...
## $ TradesNeverDelinquent..percentage. : num 0.81 1 NA 0.76 0.95 1 0.68 0.8 1 1 ...
## $ TradesOpenedLast6Months : num 0 2 NA 0 2 0 0 0 1 1 ...
## $ DebtToIncomeRatio : num 0.17 0.18 0.06 0.15 0.26 0.36 0.27 0.24 0.25 0.25 ...
## $ IncomeRange : Ord.factor w/ 6 levels "$0"<"$1-24,999"<..: 3 4 NA 3 6 6 3 3 3 3 ...
## $ IncomeVerifiable : logi TRUE TRUE TRUE TRUE TRUE TRUE ...
## $ StatedMonthlyIncome : num 3083 6125 2083 2875 9583 ...
## $ LoanKey : Factor w/ 113066 levels "00003683605746079487FF7",..: 100337 69837 46303 70776 71387 86505 91250 5425 908 908 ...
## $ TotalProsperLoans : int NA NA NA NA 1 NA NA NA NA NA ...
## $ TotalProsperPaymentsBilled : int NA NA NA NA 11 NA NA NA NA NA ...
## $ OnTimeProsperPayments : int NA NA NA NA 11 NA NA NA NA NA ...
## $ ProsperPaymentsLessThanOneMonthLate: int NA NA NA NA 0 NA NA NA NA NA ...
## $ ProsperPaymentsOneMonthPlusLate : int NA NA NA NA 0 NA NA NA NA NA ...
## $ ProsperPrincipalBorrowed : num NA NA NA NA 11000 NA NA NA NA NA ...
## $ ProsperPrincipalOutstanding : num NA NA NA NA 9948 ...
## $ ScorexChangeAtTimeOfListing : int NA NA NA NA NA NA NA NA NA NA ...
## $ LoanCurrentDaysDelinquent : int 0 0 0 0 0 0 0 0 0 0 ...
## $ LoanFirstDefaultedCycleNumber : int NA NA NA NA NA NA NA NA NA NA ...
## $ LoanMonthsSinceOrigination : int 78 0 86 16 6 3 11 10 3 3 ...
## $ LoanNumber : int 19141 134815 6466 77296 102670 123257 88353 90051 121268 121268 ...
## $ LoanOriginalAmount : int 9425 10000 3001 10000 15000 15000 3000 10000 10000 10000 ...
## $ LoanOriginationDate : POSIXct, format: "2007-09-12" "2014-03-03" ...
## $ LoanOriginationQuarter : Ord.factor w/ 33 levels "Q4 2005"<"Q1 2006"<..: 8 33 6 28 31 32 30 30 32 32 ...
## $ MemberKey : Factor w/ 90831 levels "00003397697413387CAF966",..: 11071 10302 33781 54939 19465 48037 60448 40951 26129 26129 ...
## $ MonthlyLoanPayment : num 330 319 123 321 564 ...
## $ LP_CustomerPayments : num 11396 0 4187 5143 2820 ...
## $ LP_CustomerPrincipalPayments : num 9425 0 3001 4091 1563 ...
## $ LP_InterestandFees : num 1971 0 1186 1052 1257 ...
## $ LP_ServiceFees : num -133.2 0 -24.2 -108 -60.3 ...
## $ LP_CollectionFees : num 0 0 0 0 0 0 0 0 0 0 ...
## $ LP_GrossPrincipalLoss : num 0 0 0 0 0 0 0 0 0 0 ...
## $ LP_NetPrincipalLoss : num 0 0 0 0 0 0 0 0 0 0 ...
## $ LP_NonPrincipalRecoverypayments : num 0 0 0 0 0 0 0 0 0 0 ...
## $ PercentFunded : num 1 1 1 1 1 1 1 1 1 1 ...
## $ Recommendations : int 0 0 0 0 0 0 0 0 0 0 ...
## $ InvestmentFromFriendsCount : int 0 0 0 0 0 0 0 0 0 0 ...
## $ InvestmentFromFriendsAmount : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Investors : int 258 1 41 158 20 1 1 1 1 1 ...
## $ ListingCategory : Factor w/ 20 levels "Debt Consolidation",..: NA 2 NA 16 2 1 1 2 7 7 ...
## $ CreditGrade.ProsperRating : Ord.factor w/ 8 levels "NC"<"HR"<"E"<..: 5 7 2 7 4 6 3 5 8 8 ...
## $ past.due.days : Ord.factor w/ 6 levels "Past Due (1-15 days)"<..: NA NA NA NA NA NA NA NA NA NA ...## ListingKey ListingNumber
## 17A93590655669644DB4C06: 6 Min. : 4
## 349D3587495831350F0F648: 4 1st Qu.: 400919
## 47C1359638497431975670B: 4 Median : 600554
## 8474358854651984137201C: 4 Mean : 627886
## DE8535960513435199406CE: 4 3rd Qu.: 892634
## 04C13599434217079754AEE: 3 Max. :1255725
## (Other) :113912
## ListingCreationDate CreditGrade Term
## Min. :2005-11-09 20:44:28 C : 5649 Min. :12.00
## 1st Qu.:2008-09-19 10:02:14 D : 5153 1st Qu.:36.00
## Median :2012-06-16 12:37:19 B : 4389 Median :36.00
## Mean :2011-07-09 08:33:43 AA : 3509 Mean :40.83
## 3rd Qu.:2013-09-09 19:40:48 HR : 3508 3rd Qu.:36.00
## Max. :2014-03-10 12:20:53 (Other): 6745 Max. :60.00
## NA's :84984
## LoanStatus ClosedDate
## Current :56576 Min. :2005-11-25 00:00:00
## Completed :38074 1st Qu.:2009-07-14 00:00:00
## Chargedoff :11992 Median :2011-04-05 00:00:00
## Defaulted : 5018 Mean :2011-03-07 19:48:20
## Past Due (1-15 days) : 806 3rd Qu.:2013-01-30 00:00:00
## Past Due (31-60 days): 363 Max. :2014-03-10 00:00:00
## (Other) : 1108 NA's :58848
## BorrowerAPR BorrowerRate LenderYield
## Min. :0.00653 Min. :0.0000 Min. :-0.0100
## 1st Qu.:0.15629 1st Qu.:0.1340 1st Qu.: 0.1242
## Median :0.20976 Median :0.1840 Median : 0.1730
## Mean :0.21883 Mean :0.1928 Mean : 0.1827
## 3rd Qu.:0.28381 3rd Qu.:0.2500 3rd Qu.: 0.2400
## Max. :0.51229 Max. :0.4975 Max. : 0.4925
## NA's :25
## EstimatedEffectiveYield EstimatedLoss EstimatedReturn
## Min. :-0.183 Min. :0.005 Min. :-0.183
## 1st Qu.: 0.116 1st Qu.:0.042 1st Qu.: 0.074
## Median : 0.162 Median :0.072 Median : 0.092
## Mean : 0.169 Mean :0.080 Mean : 0.096
## 3rd Qu.: 0.224 3rd Qu.:0.112 3rd Qu.: 0.117
## Max. : 0.320 Max. :0.366 Max. : 0.284
## NA's :29084 NA's :29084 NA's :29084
## ProsperRating..numeric. ProsperRating..Alpha. ProsperScore
## Min. :1.000 C :18345 Min. : 1.00
## 1st Qu.:3.000 B :15581 1st Qu.: 4.00
## Median :4.000 A :14551 Median : 6.00
## Mean :4.072 D :14274 Mean : 5.95
## 3rd Qu.:5.000 E : 9795 3rd Qu.: 8.00
## Max. :7.000 (Other):12307 Max. :11.00
## NA's :29084 NA's :29084 NA's :29084
## ListingCategory..numeric. BorrowerState
## Min. : 0.000 CA :14717
## 1st Qu.: 1.000 TX : 6842
## Median : 1.000 NY : 6729
## Mean : 2.774 FL : 6720
## 3rd Qu.: 3.000 IL : 5921
## Max. :20.000 : 5515
## (Other):67493
## Occupation EmploymentStatus
## Other :28617 Employed :67322
## Professional :13628 Full-time :26355
## Computer Programmer : 4478 Self-employed: 6134
## Executive : 4311 Not available: 5347
## Teacher : 3759 Other : 3806
## Administrative Assistant: 3688 : 2255
## (Other) :55456 (Other) : 2718
## EmploymentStatusDuration IsBorrowerHomeowner CurrentlyInGroup
## Min. : 0.00 Mode :logical Mode :logical
## 1st Qu.: 26.00 FALSE:56459 FALSE:101218
## Median : 67.00 TRUE :57478 TRUE :12719
## Mean : 96.07
## 3rd Qu.:137.00
## Max. :755.00
## NA's :7625
## GroupKey DateCreditPulled
## :100596 Min. :2005-11-09 00:30:04
## 783C3371218786870A73D20: 1140 1st Qu.:2008-09-16 22:31:26
## 3D4D3366260257624AB272D: 916 Median :2012-06-17 08:01:23
## 6A3B336601725506917317E: 698 Mean :2011-07-09 16:14:50
## FEF83377364176536637E50: 611 3rd Qu.:2013-09-11 14:31:19
## C9643379247860156A00EC0: 342 Max. :2014-03-10 12:20:56
## (Other) : 9634 NA's :1
## CreditScoreRangeLower CreditScoreRangeUpper FirstRecordedCreditLine
## Min. : 0.0 Min. : 19.0 Min. :1947-08-24 00:00:00
## 1st Qu.:660.0 1st Qu.:679.0 1st Qu.:1990-06-01 00:00:00
## Median :680.0 Median :699.0 Median :1995-11-01 00:00:00
## Mean :685.6 Mean :704.6 Mean :1994-11-17 06:23:33
## 3rd Qu.:720.0 3rd Qu.:739.0 3rd Qu.:2000-03-14 00:00:00
## Max. :880.0 Max. :899.0 Max. :2012-12-22 00:00:00
## NA's :591 NA's :591 NA's :697
## CurrentCreditLines OpenCreditLines TotalCreditLinespast7years
## Min. : 0.00 Min. : 0.00 Min. : 2.00
## 1st Qu.: 7.00 1st Qu.: 6.00 1st Qu.: 17.00
## Median :10.00 Median : 9.00 Median : 25.00
## Mean :10.32 Mean : 9.26 Mean : 26.75
## 3rd Qu.:13.00 3rd Qu.:12.00 3rd Qu.: 35.00
## Max. :59.00 Max. :54.00 Max. :136.00
## NA's :7604 NA's :7604 NA's :697
## OpenRevolvingAccounts OpenRevolvingMonthlyPayment InquiriesLast6Months
## Min. : 0.00 Min. : 0.0 Min. : 0.000
## 1st Qu.: 4.00 1st Qu.: 114.0 1st Qu.: 0.000
## Median : 6.00 Median : 271.0 Median : 1.000
## Mean : 6.97 Mean : 398.3 Mean : 1.435
## 3rd Qu.: 9.00 3rd Qu.: 525.0 3rd Qu.: 2.000
## Max. :51.00 Max. :14985.0 Max. :105.000
## NA's :697
## TotalInquiries CurrentDelinquencies AmountDelinquent
## Min. : 0.000 Min. : 0.0000 Min. : 0.0
## 1st Qu.: 2.000 1st Qu.: 0.0000 1st Qu.: 0.0
## Median : 4.000 Median : 0.0000 Median : 0.0
## Mean : 5.584 Mean : 0.5921 Mean : 984.5
## 3rd Qu.: 7.000 3rd Qu.: 0.0000 3rd Qu.: 0.0
## Max. :379.000 Max. :83.0000 Max. :463881.0
## NA's :1159 NA's :697 NA's :7622
## DelinquenciesLast7Years PublicRecordsLast10Years
## Min. : 0.000 Min. : 0.0000
## 1st Qu.: 0.000 1st Qu.: 0.0000
## Median : 0.000 Median : 0.0000
## Mean : 4.155 Mean : 0.3126
## 3rd Qu.: 3.000 3rd Qu.: 0.0000
## Max. :99.000 Max. :38.0000
## NA's :990 NA's :697
## PublicRecordsLast12Months RevolvingCreditBalance BankcardUtilization
## Min. : 0.000 Min. : 0 Min. :0.000
## 1st Qu.: 0.000 1st Qu.: 3121 1st Qu.:0.310
## Median : 0.000 Median : 8549 Median :0.600
## Mean : 0.015 Mean : 17599 Mean :0.561
## 3rd Qu.: 0.000 3rd Qu.: 19521 3rd Qu.:0.840
## Max. :20.000 Max. :1435667 Max. :5.950
## NA's :7604 NA's :7604 NA's :7604
## AvailableBankcardCredit TotalTrades
## Min. : 0 Min. : 0.00
## 1st Qu.: 880 1st Qu.: 15.00
## Median : 4100 Median : 22.00
## Mean : 11210 Mean : 23.23
## 3rd Qu.: 13180 3rd Qu.: 30.00
## Max. :646285 Max. :126.00
## NA's :7544 NA's :7544
## TradesNeverDelinquent..percentage. TradesOpenedLast6Months
## Min. :0.000 Min. : 0.000
## 1st Qu.:0.820 1st Qu.: 0.000
## Median :0.940 Median : 0.000
## Mean :0.886 Mean : 0.802
## 3rd Qu.:1.000 3rd Qu.: 1.000
## Max. :1.000 Max. :20.000
## NA's :7544 NA's :7544
## DebtToIncomeRatio IncomeRange IncomeVerifiable
## Min. : 0.000 $0 : 621 Mode :logical
## 1st Qu.: 0.140 $1-24,999 : 7274 FALSE:8669
## Median : 0.220 $25,000-49,999:32192 TRUE :105268
## Mean : 0.276 $50,000-74,999:31050
## 3rd Qu.: 0.320 $75,000-99,999:16916
## Max. :10.010 $100,000+ :17337
## NA's :8554 NA's : 8547
## StatedMonthlyIncome LoanKey TotalProsperLoans
## Min. : 0 CB1B37030986463208432A1: 6 Min. :0.00
## 1st Qu.: 3200 2DEE3698211017519D7333F: 4 1st Qu.:1.00
## Median : 4667 9F4B37043517554537C364C: 4 Median :1.00
## Mean : 5608 D895370150591392337ED6D: 4 Mean :1.42
## 3rd Qu.: 6825 E6FB37073953690388BC56D: 4 3rd Qu.:2.00
## Max. :1750003 0D8F37036734373301ED419: 3 Max. :8.00
## (Other) :113912 NA's :91852
## TotalProsperPaymentsBilled OnTimeProsperPayments
## Min. : 0.00 Min. : 0.00
## 1st Qu.: 9.00 1st Qu.: 9.00
## Median : 16.00 Median : 15.00
## Mean : 22.93 Mean : 22.27
## 3rd Qu.: 33.00 3rd Qu.: 32.00
## Max. :141.00 Max. :141.00
## NA's :91852 NA's :91852
## ProsperPaymentsLessThanOneMonthLate ProsperPaymentsOneMonthPlusLate
## Min. : 0.00 Min. : 0.00
## 1st Qu.: 0.00 1st Qu.: 0.00
## Median : 0.00 Median : 0.00
## Mean : 0.61 Mean : 0.05
## 3rd Qu.: 0.00 3rd Qu.: 0.00
## Max. :42.00 Max. :21.00
## NA's :91852 NA's :91852
## ProsperPrincipalBorrowed ProsperPrincipalOutstanding
## Min. : 0 Min. : 0
## 1st Qu.: 3500 1st Qu.: 0
## Median : 6000 Median : 1627
## Mean : 8472 Mean : 2930
## 3rd Qu.:11000 3rd Qu.: 4127
## Max. :72499 Max. :23451
## NA's :91852 NA's :91852
## ScorexChangeAtTimeOfListing LoanCurrentDaysDelinquent
## Min. :-209.00 Min. : 0.0
## 1st Qu.: -35.00 1st Qu.: 0.0
## Median : -3.00 Median : 0.0
## Mean : -3.22 Mean : 152.8
## 3rd Qu.: 25.00 3rd Qu.: 0.0
## Max. : 286.00 Max. :2704.0
## NA's :95009
## LoanFirstDefaultedCycleNumber LoanMonthsSinceOrigination LoanNumber
## Min. : 0.00 Min. : 0.0 Min. : 1
## 1st Qu.: 9.00 1st Qu.: 6.0 1st Qu.: 37332
## Median :14.00 Median : 21.0 Median : 68599
## Mean :16.27 Mean : 31.9 Mean : 69444
## 3rd Qu.:22.00 3rd Qu.: 65.0 3rd Qu.:101901
## Max. :44.00 Max. :100.0 Max. :136486
## NA's :96985
## LoanOriginalAmount LoanOriginationDate LoanOriginationQuarter
## Min. : 1000 Min. :2005-11-15 00:00:00 Q4 2013:14450
## 1st Qu.: 4000 1st Qu.:2008-10-02 00:00:00 Q1 2014:12172
## Median : 6500 Median :2012-06-26 00:00:00 Q3 2013: 9180
## Mean : 8337 Mean :2011-07-21 03:44:57 Q2 2013: 7099
## 3rd Qu.:12000 3rd Qu.:2013-09-18 00:00:00 Q3 2012: 5632
## Max. :35000 Max. :2014-03-12 00:00:00 Q2 2012: 5061
## (Other):60343
## MemberKey MonthlyLoanPayment LP_CustomerPayments
## 63CA34120866140639431C9: 9 Min. : 0.0 Min. : -2.35
## 16083364744933457E57FB9: 8 1st Qu.: 131.6 1st Qu.: 1005.76
## 3A2F3380477699707C81385: 8 Median : 217.7 Median : 2583.83
## 4D9C3403302047712AD0CDD: 8 Mean : 272.5 Mean : 4183.08
## 739C338135235294782AE75: 8 3rd Qu.: 371.6 3rd Qu.: 5548.40
## 7E1733653050264822FAA3D: 8 Max. :2251.5 Max. :40702.39
## (Other) :113888
## LP_CustomerPrincipalPayments LP_InterestandFees LP_ServiceFees
## Min. : 0.0 Min. : -2.35 Min. :-664.87
## 1st Qu.: 500.9 1st Qu.: 274.87 1st Qu.: -73.18
## Median : 1587.5 Median : 700.84 Median : -34.44
## Mean : 3105.5 Mean : 1077.54 Mean : -54.73
## 3rd Qu.: 4000.0 3rd Qu.: 1458.54 3rd Qu.: -13.92
## Max. :35000.0 Max. :15617.03 Max. : 32.06
##
## LP_CollectionFees LP_GrossPrincipalLoss LP_NetPrincipalLoss
## Min. :-9274.75 Min. : -94.2 Min. : -954.5
## 1st Qu.: 0.00 1st Qu.: 0.0 1st Qu.: 0.0
## Median : 0.00 Median : 0.0 Median : 0.0
## Mean : -14.24 Mean : 700.4 Mean : 681.4
## 3rd Qu.: 0.00 3rd Qu.: 0.0 3rd Qu.: 0.0
## Max. : 0.00 Max. :25000.0 Max. :25000.0
##
## LP_NonPrincipalRecoverypayments PercentFunded Recommendations
## Min. : 0.00 Min. :0.7000 Min. : 0.00000
## 1st Qu.: 0.00 1st Qu.:1.0000 1st Qu.: 0.00000
## Median : 0.00 Median :1.0000 Median : 0.00000
## Mean : 25.14 Mean :0.9986 Mean : 0.04803
## 3rd Qu.: 0.00 3rd Qu.:1.0000 3rd Qu.: 0.00000
## Max. :21117.90 Max. :1.0125 Max. :39.00000
##
## InvestmentFromFriendsCount InvestmentFromFriendsAmount Investors
## Min. : 0.00000 Min. : 0.00 Min. : 1.00
## 1st Qu.: 0.00000 1st Qu.: 0.00 1st Qu.: 2.00
## Median : 0.00000 Median : 0.00 Median : 44.00
## Mean : 0.02346 Mean : 16.55 Mean : 80.48
## 3rd Qu.: 0.00000 3rd Qu.: 0.00 3rd Qu.: 115.00
## Max. :33.00000 Max. :25000.00 Max. :1189.00
##
## ListingCategory CreditGrade.ProsperRating
## Debt Consolidation:58308 C :23994
## Other :10494 B :19970
## Home Improvement : 7433 D :19427
## Business : 7189 A :17866
## Auto : 2572 E :13084
## (Other) :10976 (Other):19465
## NA's :16965 NA's : 131
## past.due.days
## Past Due (1-15 days) : 806
## Past Due (16-30 days) : 265
## Past Due (31-60 days) : 363
## Past Due (61-90 days) : 313
## Past Due (91-120 days): 304
## Past Due (>120 days) : 16
## NA's :111870
## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.
## Warning: Removed 25 rows containing non-finite values (stat_bin).
## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.
## Warning: Removed 8554 rows containing non-finite values (stat_bin).
## Warning: Removed 8554 rows containing non-finite values (stat_bin).
## `stat_bin()` using `bins = 30`. Pick better value with `binwidth`.
Tip: Make sure that you leave a blank line between the start / end of each code block and the end / start of your Markdown text so that it is formatted nicely in the knitted text. Note as well that text on consecutive lines is treated as a single space. Make sure you have a blank line between your paragraphs so that they too are formatted for easy readability.
Univariate Analysis
Tip: Now that you’ve completed your univariate explorations, it’s time to reflect on and summarize what you’ve found. Use the questions below to help you gather your observations and add your own if you have other thoughts!
What is the structure of your dataset?
What is/are the main feature(s) of interest in your dataset?
What other features in the dataset do you think will help support your
investigation into your feature(s) of interest?
Did you create any new variables from existing variables in the dataset?
Of the features you investigated, were there any unusual distributions?
Did you perform any operations on the data to tidy, adjust, or change the form
of the data? If so, why did you do this?
Bivariate Plots Section
Tip: Based on what you saw in the univariate plots, what relationships between variables might be interesting to look at in this section? Don’t limit yourself to relationships between a main output feature and one of the supporting variables. Try to look at relationships between supporting variables as well.
## Warning: Removed 25 rows containing missing values (geom_point).
Bivariate Analysis
Tip: As before, summarize what you found in your bivariate explorations here. Use the questions below to guide your discussion.
Talk about some of the relationships you observed in this part of the
investigation. How did the feature(s) of interest vary with other features in
the dataset?
Did you observe any interesting relationships between the other features
(not the main feature(s) of interest)?
What was the strongest relationship you found?
Multivariate Plots Section
Tip: Now it’s time to put everything together. Based on what you found in the bivariate plots section, create a few multivariate plots to investigate more complex interactions between variables. Make sure that the plots that you create here are justified by the plots you explored in the previous section. If you plan on creating any mathematical models, this is the section where you will do that.
Multivariate Analysis
Talk about some of the relationships you observed in this part of the
investigation. Were there features that strengthened each other in terms of
looking at your feature(s) of interest?
Were there any interesting or surprising interactions between features?
OPTIONAL: Did you create any models with your dataset? Discuss the
strengths and limitations of your model.
Final Plots and Summary
Tip: You’ve done a lot of exploration and have built up an understanding of the structure of and relationships between the variables in your dataset. Here, you will select three plots from all of your previous exploration to present here as a summary of some of your most interesting findings. Make sure that you have refined your selected plots for good titling, axis labels (with units), and good aesthetic choices (e.g. color, transparency). After each plot, make sure you justify why you chose each plot by describing what it shows.
Plot One
Description One
Plot Two
Description Two
Plot Three
Description Three
Reflection
Tip: Here’s the final step! Reflect on the exploration you performed and the insights you found. What were some of the struggles that you went through? What went well? What was surprising? Make sure you include an insight into future work that could be done with the dataset.
Tip: Don’t forget to remove this, and the other Tip sections before saving your final work and knitting the final report!